As a World Elite cardholder, you have access to a variety of vacation choices from a portfolio of internationally-recognized travel brands. Professional advisors are ready to help you plan your trip—at your convenience, 24 hours a day, 7 days a week.

WORLD ELITE AIR PROGRAM

As a World Elite cardholder you have access to a wide range of benefits whenever you travel, including best available price at the time of booking (*). You also have the opportunity to enjoy savings on companion tickets, upgrades and discounts on airfare exclusive to World Elite cardholders.

WORLD ELITE BUSINESS CLASS COMPANION TICKET SAVINGS PROGRAM: Purchase a full fare Business class ticket from participating airlines and your companion can receive a savings of up to 50% off their airline ticket

WORLD ELITE UPGRADE PROGRAM: Purchase a full fare Economy Class ticket on participating airlines and receive an upgrade to Business Class

WORLD ELITE AIRFARE SAVINGS PROGRAM: Exclusive savings for World Elite cardholders from participating airlines with offers available in all classes of service to numerous international destinations

WORLD ELITE PRIVATE JET PROGRAM

As a World Elite cardholder, you get the best available price at time of booking (*) and save each time you fly on a private jet through Sentient and Lufthansa Private Jet. Arrive relaxed and in style when you let your World Elite MasterCard card take your travels to the next level.

WORLD ELITE CRUISE PROGRAM

The World Elite Cruise Program provides benefits to cardholders on more than 750 sailings aboard many of the world’s finest ships. A world of choice is yours, from floating resorts at sea and five star luxury experiences to river cruises around the world. Your exclusive World Elite benefits provide the best available price at the time of booking (*).

WORLD ELITE HOTELS & RESORTS PORTFOLIO

The World Elite Hotels and Resorts Portfolio is a unique collection of more than 850 of the world’s exceptional hotels and resorts. As a World Elite cardholder you always get the best available price at the time of booking (*), plus special amenities including:

Room upgrade, subject to availability

Early check-in, subject to availability

Late check-out, subject to availability

Complimentary breakfast daily for up to two people

WORLD ELITE TOURS & VACATIONS PROGRAM

The World Elite Tours and Vacations Program provides cardholders with an extensive selection of escorted tours and vacation packages, along with access to leading providers of private, fully-customized travel experiences throughout the world—plus the best available price at the time of booking (*). Your exclusive World Elite Tours and Vacations benefits offer savings on a variety of vacation programs.

WORLD ELITE CAR RENTAL PROGRAM

You can enjoy the best available price at time of booking (*) plus complimentary elite status in the car rental loyalty program of your choice helping ensure quick access to your rental car. Elite membership provides you with upgrades and a faster way to earn free rentals through National, Avis and Sixt.

WORLD ELITE CHAUFFEURED CAR SERVICE

World Elite MasterCard cardholders get the best available price at time of booking (*) and save 15% on chauffeured cars through Sixt Limousine Service, International Limousine Service, Vitesse and Avis.

Simply call the number on the back of your Commerce Bank World Elite MasterCard card for more details or visit mastercard.com/worldelitetravel regularly for program updates and to learn about special promotional travel offers designed exclusively for World Elite cardholders.

Relax while travelling with complimentary membership to the LOUNGE CLUB™. LOUNGE CLUB provides Commerce Bank World Elite Mastercard cardholders with access to, and all of the privileges of, more than 350 VIP lounges in major airports in over 85 countries worldwide. Regardless of your choice of airline, what frequent flyer membership, or class of ticket bought, you will enjoy all of the convenience of an airport lounge.

As a Commerce Bank World Elite Mastercard cardholder, you will receive a LOUNGE CLUB card issued in your name. The following details outline how your LOUNGE CLUB membership works:

Before traveling, log on to loungeclub.com and view a directory of airport lounges available worldwide.

Present your LOUNGE CLUB membership card to gain admission for yourself; guests are permitted at the discretion of each lounge.

Enjoy complimentary refreshments, newspapers, and television. In addition, there is access to business facilities including phone, fax, conference and Internet facilities (where available).

Use of your LOUNGE CLUB benefit will incur certain lounge visit fees. By using your LOUNGE CLUB benefit, you agree that you are obligated to pay for lounge visits and such fees will be automatically charged to your Commerce Bank World Elite Mastercard by Priority Pass Limited. Lounge visits are subject to a $27 per person, per visit charge.

Airport lounge access services are provided by LOUNGE CLUB. All airport lounge fees are subject to change without notice.

For additional program information including “Terms and Conditions” and participating lounge information, please visit loungeclub.com.

COMMERCE BANK CONCIERGE

Commerce Bank World Elite Mastercard comes with a complimentary 24/7 concierge service that acts like a personal assistant. Need to locate hard-to-find items or reserve that perfect table? Your Commerce Bank Concierge is there to help at 1-888-531-1844.

All costs for goods or services purchased are the responsibility of the cardholder.

MASTERCARD AIRPORT CONCIERGE™

MasterCard Airport Concierge, an exceptional convenience, helps relieve some of the stress associated with air travel. As a Commerce Bank World Elite Mastercard cardholder, you can arrange for a personal, dedicated Meet and Greet agent to escort you through the airport on departure, arrival or any connecting flights. There are also certain airports where you can be expedited through the security and/or the immigration process.

Available 24/7/365 at over 450 destinations worldwide, Mastercard Airport Concierge is your passport to the finer side of air travel.

As a Commerce Bank World Elite Mastercard cardholder, you can take advantage of a minimum 15% savings off the retail rate of MasterCard's Airport Concierge services. To reserve MasterCard Airport Concierge services in advance and to take advantage of the MasterCard special savings, call your Commerce Bank Concierge at 1-888-531-1844 or visit mastercard.com/airportconcierge (link to ) for reservations and additional information. For additional program information on terms and conditions, please visit mastercard.com/airportconciergeterms.

All services must be booked and purchased with your Commerce Bank World Elite Mastercard. All costs are the responsibility of the cardholder.

TRAVEL ASSISTANCE SERVICES**

Provides pre-trip destination information such as visa/passport requirements, immunization, and help with lost/stolen travel documents and luggage. Also provided are referrals to a network of physicians, arranging hospital transfers, and referrals to attorneys, local embassies and consulates, if you are traveling more than 100 miles from home.

ROADSIDE ASSISTANCE**

Arranges emergency roadside assistance such as jump-starts, tire change, towing, and gas delivery if you get stuck on the road. Service fees are pre-negotiated and billed to your Commerce Bank World Elite Mastercard.

MASTERCARD GLOBAL SERVICE PREMIUM

If your Commerce Bank World Elite Mastercard card is ever lost or stolen, you can notify either Commerce Bank or MasterCard. MasterCard Global Service Premium will:

Attempt to notify Commerce Bank within five minutes of being reported

Provide emergency cash advance within an hour

Send you a replacement card in one day (in 75 markets) 7 days a week

TRIP CANCELLATION INSURANCE**

Protect you and your family against certain forfeited, nonrefundable, unused payments and deposits if your trip is interrupted or cancelled due to a covered reason and you have purchased your trip with your Commerce Bank World Elite Mastercard.

MASTERRENTAL® CAR RENTAL COLLISION DAMAGE WAIVER INSURANCE**

Pays for covered damages (physical damage and theft) to a rental vehicle when your Commerce Bank World Elite Mastercard is used to initiate and pay for the entire rental transaction.

LOST OR DAMAGED LUGGAGE INSURANCE**

Reimburses you for the actual cost of repairing or replacing your checked or carry-on luggage if it is lost or damaged while traveling on a common carrier when you pay the entire cost of the tickets with your Commerce Bank World Elite Mastercard.

SHOPPING BENEFITS

Shop in bliss with our complimentary benefits that protect you and your purchases.

As a Commerce Bank World Elite Mastercard cardholder, you can enjoy your shopping experience knowing that safeguards are in place to protect you and your purchases.

EXTENDED WARRANTY**

Doubles the original manufacturer’s or store brand warranty for up to one year when you pay with your Commerce Bank World Elite Mastercard.

PURCHASE ASSURANCE**

Provides coverage for most items you purchase with your Commerce Bank World Elite Mastercard if the item is damaged or stolen within 90 days of the date of purchase.

SATISFACTION GUARANTEE**

If you become dissatisfied with a product you purchase using your Commerce Bank World Elite Mastercard within 60 days of purchase, and the store will not accept a return, you may be eligible for a refund for the cost of the product up to $250.

ZERO LIABILITY

Pay only for purchases which you have authorized on your Commerce Bank World Elite Mastercard. Unauthorized purchases are not your responsibility. You must notify Commerce Bank within 60 days of receiving statement with unauthorized account activity.

IDENTITY THEFT RESOLUTION SERVICES**

Assists you with credit bureau notification and credit card replacement, and provides you with an ID Theft Affidavit should you become the victim of Identity Theft.

1A Cash Back redemption is applied as a statement credit. The statement credit will reduce your balance, but you are still required to make at least your minimum payment. Values for non-cash back redemption items such as merchandise, gift cards and travel may vary.

2Merchants self-select the category in which they would like their transaction items to be listed. Please note some merchants may be owned by other companies, therefore transactions may not be counted in the expected category.

3A 5% annual point dividend will be awarded each calendar year (January 1 through December 31) when you make $50,000.00, or more, in Net Merchandise Purchases. The amount of the dividend will equal 5% of your total Net Merchandise Purchases made during the calendar year. The Annual Point Dividend will be awarded within approximately 14 business days of the end of each calendar year.

ADDITIONAL BENEFITS

World Elite Additional Benefits

Receive even more enhancements.

Receive even more enhancements with our distinctive features.

Your Commerce Bank World Elite Mastercard® offers a variety of features to help enhance your everyday experiences, from making purchases to managing your account.

NO PRE-SET SPENDING LIMIT

Enjoy the maximum spending flexibility and purchasing power that is associated with having a no pre-set spending limit.

No Pre-Set Spending Limit does not mean unlimited spending; rather each charge that causes your Account to exceed its Revolving Credit Line will be evaluated by us based on several factors. Any balance that exceeds your Revolving Credit Line will be added to your minimum payment and will be due and payable when you receive your periodic statement.

ACCESS TOOLS TO MANAGE YOUR ACCOUNT

Online Banking is your gateway to a variety of tools to manage your account, including:

AutoPay: AutoPay allows you to automate the monthly payment to your Commerce Bank credit card account from your checking or savings account at any financial institution.

Special ConnectionsSM: The Special ConnectionsSM feature allows you to conveniently access your other Commerce Bank accounts at the ATM, or to make PIN-based debit transactions in stores, using your Commerce Bank credit card as an access device.

Your Commerce Bank checking account can be automatically protected in the event of an overdraft. To sign up for this benefit, call Commerce Bank’s Customer Service at 1-877-787-3171. Some fees may apply.

YEAR-END SUMMARY

Receive an itemized summary of the year’s purchases to assist with your record-keeping and tax returns.

CONTACT INFORMATION

Access a high level of personal service.

As a Commerce Bank World Elite Mastercard cardholder, you have access to our dedicated customer service team:

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